{"id":878,"date":"2020-02-17T10:26:55","date_gmt":"2020-02-17T03:26:55","guid":{"rendered":"https:\/\/bmpos.com.vn\/?p=878"},"modified":"2020-02-17T10:29:11","modified_gmt":"2020-02-17T03:29:11","slug":"cac-ngan-hang-chay-dua-thuc-hien-chuyen-doi-the-tu-sang-the-chip","status":"publish","type":"post","link":"https:\/\/bmpos.com.vn\/en\/cac-ngan-hang-chay-dua-thuc-hien-chuyen-doi-the-tu-sang-the-chip\/","title":{"rendered":"C\u00e1c ng\u00e2n h\u00e0ng “ch\u1ea1y \u0111ua” th\u1ef1c hi\u1ec7n chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u1eeb sang th\u1ebb chip"},"content":{"rendered":"

Theo m\u1ee5c ti\u00eau \u0111\u01b0\u1ee3c Ch\u00ednh ph\u1ee7 \u0111\u1eb7t ra, \u0111\u1ebfn n\u0103m 2020 t\u1ef7 l\u1ec7 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t ph\u1ea3i chi\u1ebfm h\u01a1n 30% tr\u00ean t\u1ed5ng ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n t\u1ea1i Vi\u1ec7t Nam. Chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u1eeb sang th\u1ebb chip v\u1edbi c\u00f4ng ngh\u1ec7 b\u1ea3o m\u1eadt an to\u00e0n h\u01a1n l\u00e0 y\u00eau c\u1ea7u b\u1eaft bu\u1ed9c. Vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i t\u1eeb th\u1ebb t\u1eeb sang th\u1ebb chip \u0111ang \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng “ch\u1ea1y \u0111ua” th\u1ef1c hi\u1ec7n v\u00e0 m\u1ee5c ti\u00eau chuy\u1ec3n \u0111\u1ed5i 100% \u0111\u1ebfn cu\u1ed1i n\u0103m 2021 ho\u00e0n to\u00e0n kh\u1ea3 thi.<\/span><\/strong><\/h2>\n

Chuy\u1ec3n \u0111\u1ed5i th\u1ebb thanh to\u00e1n n\u1ed9i \u0111\u1ecba t\u1eeb th\u1ebb t\u1eeb sang th\u1ebb chip l\u00e0 m\u1ed9t trong nh\u1eefng gi\u1ea3i ph\u00e1p tr\u1ecdng t\u00e2m c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 ph\u00ea duy\u1ec7t t\u1ea1i \u0110\u1ec1 \u00e1n ph\u00e1t tri\u1ec3n thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t giai \u0111o\u1ea1n 2016 – 2020 (Quy\u1ebft \u0111\u1ecbnh 2545\/Q\u0110-TTg). Th\u1ef1c hi\u1ec7n ch\u1ec9 \u0111\u1ea1o c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7, c\u0103n c\u1ee9 c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh v\u1ec1 ti\u00eau chu\u1ea9n v\u00e0 quy chu\u1ea9n k\u1ef9 thu\u1eadt, ng\u00e0y 05\/10\/2018, Th\u1ed1ng \u0111\u1ed1c NHNN \u0111\u00e3 k\u00fd Quy\u1ebft \u0111\u1ecbnh s\u1ed1 1927\/Q\u0110-NHNN c\u00f4ng b\u1ed1 B\u1ed9 ti\u00eau chu\u1ea9n c\u01a1 s\u1edf v\u1ec1 th\u1ebb chip n\u1ed9i \u0111\u1ecba; trong \u0111\u00f3 quy \u0111\u1ecbnh chi ti\u1ebft v\u1ec1 c\u00e1c y\u00eau c\u1ea7u k\u1ef9 thu\u1eadt th\u1ebb thanh to\u00e1n n\u1ed9i \u0111\u1ecba t\u1ea1i Vi\u1ec7t Nam theo c\u00f4ng ngh\u1ec7 chip ti\u1ebfp x\u00fac v\u00e0 kh\u00f4ng ti\u1ebfp x\u00fac, t\u01b0\u01a1ng th\u00edch v\u1edbi chu\u1ea9n EMV c\u1ee7a qu\u1ed1c t\u1ebf. Ti\u1ebfp \u0111\u00f3, Th\u1ed1ng \u0111\u1ed1c NHNN \u0111\u00e3 ban h\u00e0nh Th\u00f4ng t\u01b0 s\u1ed1 41\/2018\/TT-NHNN ng\u00e0y 28\/12\/2018 quy \u0111\u1ecbnh v\u1ec1 l\u1ed9 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i th\u1ebb ng\u00e2n h\u00e0ng sang th\u1ebb tu\u00e2n th\u1ee7 ti\u00eau chu\u1ea9n c\u01a1 s\u1edf v\u1ec1 th\u1ebb chip n\u1ed9i \u0111\u1ecba; theo \u0111\u00f3, l\u1ed9 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i \u0111\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c thanh to\u00e1n th\u1ebb l\u00e0 \u0111\u1ebfn ng\u00e0y 31\/12\/2020 v\u00e0 \u0111\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh th\u1ebb l\u00e0 ng\u00e0y 31\/12\/2021.<\/span><\/p>\n

Th\u1ebb chip n\u1ed9i \u0111\u1ecba \u0111\u00e1p \u1ee9ng \u0111\u1ea7y \u0111\u1ee7 c\u00e1c y\u1ebfu t\u1ed1 k\u1ef9 thu\u1eadt v\u1ec1 an to\u00e0n, b\u1ea3o m\u1eadt theo Ti\u00eau chu\u1ea9n qu\u1ed1c t\u1ebf EMV, h\u1ea1n ch\u1ebf c\u00e1c r\u1ee7i ro v\u1ec1 gian l\u1eadn gi\u1ea3 m\u1ea1o trong thanh to\u00e1n th\u1ebb, \u0111\u1ea3m b\u1ea3o an ninh an to\u00e0n thanh to\u00e1n cho kh\u00e1ch h\u00e0ng; l\u00e0m n\u1ec1n t\u1ea3ng quan tr\u1ecdng \u0111\u1ec3 t\u00edch h\u1ee3p, \u1ee9ng d\u1ee5ng cho c\u00e1c d\u1ecbch v\u1ee5 c\u0169ng nh\u01b0 ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t cho c\u00e1c d\u1ecbch v\u1ee5 nh\u01b0 y t\u1ebf, gi\u00e1o d\u1ee5c, giao th\u00f4ng, b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c d\u1ecbch c\u00f4ng. Vi\u1ec7c s\u1eed d\u1ee5ng thanh to\u00e1n b\u1eb1ng th\u1ebb chip n\u1ed9i \u0111\u1ecba v\u1edbi c\u00f4ng ngh\u1ec7 kh\u00f4ng ti\u1ebfp x\u00fac cho c\u00e1c giao d\u1ecbch gi\u00e1 tr\u1ecb nh\u1ecf s\u1ebd mang l\u1ea1i tr\u1ea3i nghi\u1ec7m m\u1edbi cho kh\u00e1ch h\u00e0ng khi ch\u1ec9 c\u1ea7n th\u1ef1c hi\u1ec7n 1 thao t\u00e1c ch\u1ea1m th\u1ebb v\u00e0o m\u00e1y POS l\u00e0 c\u00f3 th\u1ec3 ho\u00e0n th\u00e0nh giao d\u1ecbch. C\u00e1c ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh s\u1ebd quy \u0111\u1ecbnh ng\u01b0\u1ee1ng gi\u00e1 tr\u1ecb thanh to\u00e1n kh\u00f4ng c\u1ea7n x\u00e1c th\u1ef1c kh\u00e1ch h\u00e0ng d\u00e0nh cho c\u00e1c giao d\u1ecbch gi\u00e1 tr\u1ecb nh\u1ecf.<\/span><\/p>\n

Hi\u1ec7n Vi\u1ec7t Nam c\u00f3 48 ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh th\u1ebb n\u1ed9i \u0111\u1ecba v\u1edbi s\u1ed1 l\u01b0\u1ee3ng kho\u1ea3ng 76 tri\u1ec7u th\u1ebb, h\u01a1n 261.000 m\u00e1y POS v\u00e0 18.600 m\u00e1y ATM; trong \u0111\u00f3 ph\u1ea7n l\u1edbn POS \u0111\u00e3 tu\u00e2n theo Ti\u00eau chu\u1ea9n EMV n\u00ean vi\u1ec7c tri\u1ec3n khai th\u1ebb chip n\u1ed9i \u0111\u1ecba tr\u00ean c\u00e1c thi\u1ebft b\u1ecb ch\u1ea5p nh\u1eadn th\u1ebb s\u1ebd kh\u00f4ng qu\u00e1 ph\u1ee9c t\u1ea1p. Theo k\u1ebf ho\u1ea1ch \u0111\u1eb7t ra, \u0111\u1ebfn 31\/12\/2019, c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i th\u1ef1c hi\u1ec7n chuy\u1ec3n \u0111\u1ed5i \u00edt nh\u1ea5t 30% s\u1ed1 l\u01b0\u1ee3ng th\u1ebb t\u1eeb n\u1ed9i \u0111\u1ecba, 35% s\u1ed1 l\u01b0\u1ee3ng ATM v\u00e0 50% s\u1ed1 l\u01b0\u1ee3ng POS hi\u1ec7n c\u00f3 sang c\u00f4ng ngh\u1ec7 chip ti\u1ebfp x\u00fac v\u00e0 kh\u00f4ng ti\u1ebfp x\u00fac. To\u00e0n b\u1ed9 m\u00e1y ATM v\u00e0 POS tr\u00ean th\u1ecb tr\u01b0\u1eddng \u0111\u1ea3m b\u1ea3o tu\u00e2n th\u1ee7 Ti\u00eau chu\u1ea9n VCCS v\u00e0o 31\/12\/2020. Ch\u1eadm nh\u1ea5t v\u00e0o 31\/12\/2021, to\u00e0n b\u1ed9 th\u1ebb t\u1eeb n\u1ed9i \u0111\u1ecba \u0111ang l\u01b0u h\u00e0nh c\u1ee7a t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh th\u1ebb tu\u00e2n th\u1ee7 TCCS v\u1ec1 th\u1ebb chip n\u1ed9i.<\/span><\/p>\n

Sau h\u01a1n n\u1eeda n\u0103m ra m\u1eaft v\u1edbi 7 ng\u00e2n h\u00e0ng tham gia, \u0111\u1ebfn cu\u1ed1i n\u0103m 2020 s\u1ed1 ng\u00e2n h\u00e0ng s\u1eb5n s\u00e0ng chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u1eeb sang th\u1ebb chip \u0111\u00e3 t\u0103ng l\u00ean 20. 7 ng\u00e2n h\u00e0ng tham gia \u0111\u1ee3t \u0111\u1ea7u g\u1ed3m Vietcombank, VietinBank, BIDV, Agribank, Sacombank, TienphongBank v\u00e0 An B\u00ecnh, v\u1edbi s\u1ed1 l\u01b0\u1ee3ng th\u1ebb ATM chi\u1ebfm kho\u1ea3ng 70% t\u1ed5ng s\u1ed1 th\u1ebb tr\u00ean c\u1ea3 n\u01b0\u1edbc. T\u1ed5ng Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty CP Thanh to\u00e1n qu\u1ed1c gia Vi\u1ec7t Nam (Napas) Nguy\u1ec5n Quang H\u01b0ng cho hay, \u0111\u1ebfn qu\u00fd I\/2020, kh\u00f4ng ch\u1ec9 d\u1eebng l\u1ea1i 20 ng\u00e2n h\u00e0ng v\u00e0 6 t\u1ed5 ch\u1ee9c cung c\u1ea5p th\u1ebb chip n\u1eefa, m\u00e0 s\u1ebd l\u00ean t\u1edbi 26 ng\u00e2n h\u00e0ng, 10 c\u00f4ng ty cung c\u1ea5p th\u1ebb chip.<\/span><\/p>\n

Th\u1ed1ng k\u00ea c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, \u0111\u1ebfn cu\u1ed1i th\u00e1ng 9\/2019, s\u1ed1 th\u1ebb l\u01b0u h\u00e0nh c\u1ea3 n\u01b0\u1edbc 96,4 tri\u1ec7u th\u1ebb v\u1edbi 36 t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh, nhi\u1ec1u th\u01b0\u01a1ng hi\u1ec7u th\u1ebb kh\u00e1c nhau trong \u0111\u00f3, th\u1ebb ghi n\u1ee3 n\u1ed9i \u0111\u1ecba chi\u1ebfm t\u1ef7 l\u1ec7 \u00e1p \u0111\u1ea3o tr\u00ean 90% t\u1ed5ng th\u1ebb l\u01b0u h\u00e0nh.<\/span><\/p>\n

Theo l\u1ed9 tr\u00ecnh \u0111\u01b0\u1ee3c \u0111\u1ec1 ra t\u1ea1i Th\u00f4ng t\u01b0 s\u1ed1 41\/2018\/TT-NHNN, \u0111\u1ebfn cu\u1ed1i n\u0103m 2019, c\u00f3 30% th\u1ebb ATM tr\u00ean th\u1ecb tr\u01b0\u1eddng (t\u01b0\u01a1ng \u0111\u01b0\u01a1ng kho\u1ea3ng tr\u00ean 25 tri\u1ec7u th\u1ebb ATM) s\u1ebd ph\u1ea3i chuy\u1ec3n \u0111\u1ed5i sang th\u1ebb chip, 35% m\u00e1y ATM, 50% thi\u1ebft b\u1ecb ch\u1ea5p nh\u1eadn th\u1ebb (POS) t\u1ea1i \u0111i\u1ec3m b\u00e1n h\u00e0ng \u0111ang l\u01b0u h\u00e0nh ph\u1ea3i tu\u00e2n th\u1ee7 ti\u00eau chu\u1ea9n c\u01a1 s\u1edf v\u1ec1 ti\u00eau chu\u1ea9n th\u1ebb chip n\u1ed9i \u0111\u1ecba; h\u1ea1n cu\u1ed1i c\u00f9ng l\u00e0 31\/12\/2021 chuy\u1ec3n \u0111\u1ed5i 100% th\u1ebb n\u1ed9i \u0111\u1ecba sang th\u1ebb chip t\u01b0\u01a1ng \u0111\u01b0\u01a1ng to\u00e0n b\u1ed9 75 tri\u1ec7u th\u1ebb ATM \u0111\u01b0\u1ee3c \u0111\u1ed5i sang th\u1ebb chip.<\/span><\/p>\n

V\u1edbi th\u1ebb ATM th\u00f4ng th\u01b0\u1eddng, khi thanh to\u00e1n ng\u01b0\u1eddi d\u00f9ng bu\u1ed9c ph\u1ea3i nh\u1eadp m\u00e3 pin tr\u00ean m\u00e1y POS. C\u00f2n v\u1edbi th\u1ebb chip, ng\u01b0\u1eddi d\u00f9ng ch\u1ec9 c\u1ea7n qu\u00e9t qua m\u00e0n h\u00ecnh c\u1ea3m \u1ee9ng c\u1ee7a m\u00e1y POS l\u00e0 c\u00f3 th\u1ec3 thanh to\u00e1n. M\u1ed7i con chip tr\u00ean th\u1ebb gi\u1ed1ng nh\u01b0 m\u1ed9t thi\u1ebft b\u1ecb l\u01b0u gi\u1eef v\u00e0 ph\u00e1t t\u00edn hi\u1ec7u. Vi\u1ec7c chuy\u1ec3n t\u1eeb th\u1ebb t\u1eeb sang th\u1ebb chip kh\u00f4ng ch\u1ec9 h\u1ea1n ch\u1ebf \u0111\u01b0\u1ee3c t\u00ecnh tr\u1ea1ng t\u1ed9i ph\u1ea1m \u0111\u00e1nh c\u1eafp d\u1eef li\u1ec7u th\u1ebb \u0111\u1ec3 ch\u1ebf t\u1ea1o th\u1ebb gi\u1ea3 nh\u1eb1m r\u00fat tr\u1ed9m ti\u1ec1n m\u00e0 c\u00f2n s\u1ebd gia t\u0103ng \u0111\u00e1ng k\u1ec3 s\u1ed1 l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng, l\u00e0 c\u01a1 s\u1edf th\u00fac \u0111\u1ea9y d\u1ecbch v\u1ee5 ph\u00e1t tri\u1ec3n thanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t.<\/span><\/p>\n

Theo Ph\u00f3 Th\u1ee7 t\u01b0\u1edbng V\u0169 \u0110\u1ee9c \u0110am, n\u1ebfu l\u00e0m t\u1ed1t vi\u1ec7c n\u00e0y s\u1ebd th\u00fac \u0111\u1ea9y n\u1ec1n kinh t\u1ebf s\u1ed1. B\u1edfi th\u1ebb chip l\u00e0 m\u1ed9t \u0111a \u1ee9ng d\u1ee5ng m\u00e0 tr\u00ean \u0111\u00f3 ngo\u00e0i \u1ee9ng d\u1ee5ng \u0111\u1ec3 thanh to\u00e1n v\u00e0 d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh th\u00ec c\u00f2n c\u00f3 th\u1ec3 \u1ee9ng d\u1ee5ng \u0111\u01b0\u1ee3c th\u00eam nh\u1eefng li\u00ean th\u00f4ng v\u1edbi c\u00e1c ng\u00e0nh kinh t\u1ebf kh\u00e1c \u0111\u1ec3 \u0111\u01b0a c\u00e1c \u0111a \u1ee9ng d\u1ee5ng v\u00e0o trong c\u00f4ng ngh\u1ec7 nh\u01b0 giao th\u00f4ng, b\u1ea3o hi\u1ec3m y t\u1ebf, b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i\u2026<\/span><\/p>\n

Ph\u00f3 T\u1ed5ng Gi\u00e1m \u0111\u1ed1c Vietcombank \u0110\u00e0o Minh Tu\u1ea5n cho bi\u1ebft, v\u00e0o th\u00e1ng 5\/2019 Vietcombank ch\u00ednh th\u1ee9c ra m\u1eaft th\u1ebb chip n\u1ed9i \u0111\u1ecba v\u00e0 m\u1ee5c ti\u00eau \u0111\u1eb7t ra trong n\u0103m 2019 l\u00e0 chuy\u1ec3n \u0111\u1ed5i 30% s\u1ed1 l\u01b0\u1ee3ng th\u1ebb chip n\u1ed9i \u0111\u1ecba, 30% ATM v\u00e0 50% \u0111\u01a1n v\u1ecb ch\u1ea5p nh\u1eadn th\u1ebb POS. \u201cHi\u1ec7n Vietcombank c\u00f3 kho\u1ea3ng 14 tri\u1ec7u th\u1ebb ghi n\u1ee3 n\u1ed9i \u0111\u1ecba \u0111ang l\u01b0u h\u00e0nh tr\u00ean th\u1ecb tr\u01b0\u1eddng, do \u0111\u00f3 chi ph\u00ed chuy\u1ec3n \u0111\u1ed5i r\u1ea5t l\u1edbn nh\u01b0ng trong giai \u0111o\u1ea1n \u0111\u1ea7u th\u1ef1c hi\u1ec7n chuy\u1ec3n \u0111\u1ed5i ch\u00fang t\u00f4i s\u1ebd mi\u1ec5n ph\u00ed cho kh\u00e1ch h\u00e0ng. V\u1ec1 m\u1ee5c ti\u00eau l\u00e2u d\u00e0i, Vietcombank cam k\u1ebft s\u1ebd tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1ec1 vi\u1ec7c ho\u00e0n th\u00e0nh chuy\u1ec3n \u0111\u1ed5i 100% th\u1ebb n\u1ed9i \u0111\u1ecba c\u1ee7a Vietcombank sang th\u1ebb chip v\u00e0o 31\/12\/2021\u201d.<\/span><\/p>\n

Theo Ph\u00f3 T\u1ed5ng Gi\u00e1m \u0111\u1ed1c ACB T\u1eeb Ti\u1ebfn Ph\u00e1t, m\u1ed7i n\u0103m ACB d\u1ef1 chi kho\u1ea3ng 400 – 500 t\u1ef7 cho l\u0129nh v\u1ef1c c\u00f4ng ngh\u1ec7, trong \u0111\u00f3 c\u00f3 xu th\u1ebf m\u1edbi nh\u01b0 thanh to\u00e1n, v\u00ed \u0111i\u1ec7n t\u1eed. Hi\u1ec7n t\u1ea1i 100% h\u1ec7 th\u1ed1ng ATM c\u1ee7a ACB ch\u1ea5p nh\u1eadn lo\u1ea1i th\u1ebb m\u1edbi n\u00e0y.<\/span><\/p>\n

T\u1ed5ng Gi\u00e1m \u0111\u1ed1c ABBank Ph\u1ea1m Duy Hi\u1ebfu cho bi\u1ebft: “Vi\u1ec7c \u0111\u1ea7u t\u01b0 cho m\u1ed9t h\u1ec7 th\u1ed1ng thanh to\u00e1n m\u1edbi v\u00e0 hi\u1ec7n \u0111\u1ea1i th\u00ec ng\u00e2n h\u00e0ng ph\u1ea3i b\u1ecf ra r\u1ea5t nhi\u1ec1u chi ph\u00ed cho h\u1ea1 t\u1ea7ng, h\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd th\u1ebb, h\u1ec7 th\u1ed1ng thi\u1ebft b\u1ecb ch\u1ea5p nh\u1eadn th\u1ebb. Tuy nhi\u00ean, v\u1edbi xu th\u1ebf chung c\u1ee7a n\u1ec1n kinh t\u1ebf s\u1ed1 to\u00e0n c\u1ea7u c\u0169ng nh\u01b0 th\u1ef1c hi\u1ec7n ch\u1ec9 \u0111\u1ea1o c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, ch\u00fang t\u00f4i \u0111\u1eb7t ra m\u1ee5c ti\u00eau \u0111\u1ebfn gi\u1eefa n\u0103m 2020 s\u1ebd chuy\u1ec3n \u0111\u1ed5i 100% th\u1ebb t\u1eeb sang th\u1ebb chip”.<\/span><\/p>\n

Theo Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Nguy\u1ec5n Kim Anh, ng\u00e2n h\u00e0ng s\u1ebd ph\u1ea3i t\u00ednh to\u00e1n ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c ti\u00eau kinh doanh c\u1ee7a m\u00ecnh. \u0110\u1ec3 c\u1ea1nh tranh, c\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n h\u1ea1n ch\u1ebf m\u1ee9c th\u1ea5p nh\u1ea5t chi ph\u00ed ph\u00e1t sinh cho kh\u00e1ch h\u00e0ng. N\u1ebfu ng\u00e2n h\u00e0ng n\u00e0o thu ph\u00ed cao, kh\u1ea3 n\u0103ng c\u1ea1nh tranh s\u1ebd gi\u1ea3m. Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ch\u1ec9 \u0111\u01b0a ra h\u01b0\u1edbng d\u1eabn v\u1ec1 l\u1ed9 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i, c\u0169ng nh\u01b0 c\u00e1c y\u00eau c\u1ea7u k\u1ef9 thu\u1eadt, ti\u00eau chu\u1ea9n c\u01a1 s\u1edf v\u1ec1 th\u1ebb chip n\u1ed9i \u0111\u1ecba…<\/span><\/p>\n

“Ri\u00eang chi ph\u00ed ph\u00f4i c\u1ee7a th\u1ebb chip \u0111\u00e3 cao h\u01a1n 7 – 8 l\u1ea7n chi ph\u00ed ph\u00f4i c\u1ee7a th\u1ebb t\u1eeb. \u0110\u00f3 l\u00e0 ch\u01b0a t\u00ednh \u0111\u1ebfn c\u00e1c chi ph\u00ed kh\u00e1c, nh\u01b0ng ch\u00fang t\u00f4i \u0111\u00e3 c\u00e2n nh\u1eafc m\u1ed9t s\u1ed1 ch\u01b0\u01a1ng tr\u00ecnh mi\u1ec5n ph\u00ed cho kh\u00e1ch h\u00e0ng c\u0169 trong giai \u0111o\u1ea1n \u0111\u1ea7u chuy\u1ec3n \u0111\u1ed5i. \u1ede giai \u0111o\u1ea1n ti\u1ebfp theo, t\u00f9y thu\u1ed9c v\u00e0o ch\u00ednh s\u00e1ch c\u1ee7a NHNN c\u0169ng nh\u01b0 m\u1ee5c ti\u00eau c\u1ee7a ng\u00e2n h\u00e0ng ch\u00fang t\u00f4i s\u1ebd c\u00f3 nh\u1eefng ch\u00ednh s\u00e1ch nh\u1eb1m t\u1ea1o \u0111i\u1ec1u ki\u1ec7n t\u1ed1t nh\u1ea5t cho kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh” – T\u1ed5ng Gi\u00e1m \u0111\u1ed1c TPBank Nguy\u1ec5n H\u01b0ng cho bi\u1ebft.<\/span><\/p>\n

B\u1ed9 Ti\u00eau chu\u1ea9n th\u1ebb chip n\u1ed9i \u0111\u1ecba bao g\u1ed3m c\u00e1c y\u00eau c\u1ea7u k\u1ef9 thu\u1eadt th\u1ebb thanh to\u00e1n n\u1ed9i \u0111\u1ecba c\u00f4ng ngh\u1ec7 ti\u1ebfp x\u00fac v\u00e0 kh\u00f4ng ti\u1ebfp x\u00fac, t\u01b0\u01a1ng th\u00edch v\u1edbi ti\u00eau chu\u1ea9n qu\u1ed1c t\u1ebf EMV n\u00ean s\u1ebd h\u1ed7 tr\u1ee3 cho c\u00e1c ng\u00e2n h\u00e0ng th\u1ef1c hi\u1ec7n chuy\u1ec3n \u0111\u1ed5i hi\u1ec7u qu\u1ea3 do k\u1ebf th\u1eeba l\u1ea1i h\u1ea1 t\u1ea7ng ph\u00e1t h\u00e0nh v\u00e0 ch\u1ea5p nh\u1eadn th\u1ebb qu\u1ed1c t\u1ebf hi\u1ec7n \u0111\u00e3 t\u01b0\u01a1ng th\u00edch v\u1edbi EMV hi\u1ec7n c\u00f3. C\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn tri\u1ec3n khai chuy\u1ec3n \u0111\u1ed5i th\u1ebb giao ti\u1ebfp k\u00e9p (h\u1ed7 tr\u1ee3 c\u1ea3 ti\u1ebfp x\u00fac v\u00e0 kh\u00f4ng ti\u1ebfp x\u00fac) ngay trong giai \u0111o\u1ea1n \u0111\u1ea7u ti\u00ean, gi\u1ea3m b\u1edbt m\u1ed9t b\u01b0\u1edbc chuy\u1ec3n \u0111\u1ed5i theo l\u1ed9 tr\u00ecnh t\u1eeb th\u1ebb chip ti\u1ebfp x\u00fac sang th\u1ebb chip kh\u00f4ng ti\u1ebfp x\u00fac nh\u01b0 b\u00e0i h\u1ecdc kinh nghi\u1ec7m t\u1eeb c\u00e1c n\u01b0\u1edbc kh\u00e1c.<\/span><\/p>\n

B\u1ed9 ti\u00eau chu\u1ea9n th\u1ebb chip n\u1ed9i \u0111\u1ecba l\u00e0 m\u1ed9t n\u1ec1n t\u1ea3ng c\u01a1 b\u1ea3n \u0111\u1ec3 s\u1ed1 ho\u00e1 th\u00f4ng tin th\u1ebb l\u00ean thi\u1ebft b\u1ecb di \u0111\u1ed9ng, ti\u1ebfn \u0111\u1ebfn cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng s\u1eed d\u1ee5ng \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh \u0111\u1ec3 thanh to\u00e1n. T\u01b0\u01a1ng lai th\u1ecb tr\u01b0\u1eddng s\u1ebd \u0111\u00f3n nh\u1eadn tr\u00e0o l\u01b0u thanh to\u00e1n “ch\u1ea1m”, kh\u00e1ch h\u00e0ng ch\u1ec9 c\u1ea7n ch\u1ea1m th\u1ebb ho\u1eb7c \u0111i\u1ec7n tho\u1ea1i v\u00e0o thi\u1ebft b\u1ecb ch\u1ea5p nh\u1eadn POS \u0111\u1ec3 ho\u00e0n th\u00e0nh giao d\u1ecbch thanh to\u00e1n.<\/span><\/p>\n

( Ngu\u1ed3n: Th\u1eddi b\u00e1o ch\u1ee9ng kho\u00e1n)<\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>","protected":false},"excerpt":{"rendered":"

Theo m\u1ee5c ti\u00eau \u0111\u01b0\u1ee3c Ch\u00ednh ph\u1ee7 \u0111\u1eb7t ra, \u0111\u1ebfn n\u0103m 2020 t\u1ef7 l\u1ec7 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t ph\u1ea3i chi\u1ebfm h\u01a1n 30% tr\u00ean t\u1ed5ng ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n t\u1ea1i Vi\u1ec7t Nam. Chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u1eeb sang th\u1ebb chip v\u1edbi c\u00f4ng ngh\u1ec7 b\u1ea3o m\u1eadt an to\u00e0n h\u01a1n l\u00e0 y\u00eau c\u1ea7u b\u1eaft bu\u1ed9c. Vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i<\/p>","protected":false},"author":4,"featured_media":879,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false},"categories":[9],"tags":[],"_links":{"self":[{"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/878"}],"collection":[{"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/comments?post=878"}],"version-history":[{"count":2,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/878\/revisions"}],"predecessor-version":[{"id":882,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/878\/revisions\/882"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media\/879"}],"wp:attachment":[{"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media?parent=878"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/categories?post=878"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/tags?post=878"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}